Home Insurance in North Haledon, New Jersey
Homes in North Haledon carry a median value of $547,600 - 19% higher than the Passaic County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in North Haledon was built around 1965. About 41% of homes were built before 1960, about 15 points below Passaic County's 57%.
Housing in North Haledon breaks down to 93% single-family homes and 4% apartments in buildings with 5+ units.
In North Haledon, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 94% of occupied homes in North Haledon are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In North Haledon, 95% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near North Haledon? FEMA's National Risk Index points to strong wind (Very High) in Passaic County and Passaic County had 2,754 active NFIP flood policies as of September 2026. See the full Passaic County home insurance overview for all FEMA hazard ratings and flood coverage details.
In New Jersey, the statewide average premium for a standard HO-3 homeowners policy is $1,551 per year (NAIC, 2023 data).
Key figures
| Median home value | $547,600 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Passaic County | 2,754 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)